• Ancillary hospital charges

• Hazardous activities

• Artificial life maintenance

• Behavioral, Neurodevelopmental and Neurodegenerative Disorders

• Circumcision

• AYUSH treatments, except inpatient treatments taken under Ayurveda, Unani, Sidha and Homeopathy

• Conflict & disaster

• External congenital anomaly

• Convalescence & rehabilitation

• Cosmetic and reconstructive surgery

• Dental/oral treatment

• Eyesight & optical services

• Experimental or unproven treatment

• Hospitalisation not justified

• Inconsistent, irrelevant or incidental diagnostic procedures

• HIV, AIDS, and related complex

• Non-medical expenses

• Mental and psychiatric conditions

• Obesity and weight control programs

• Off- label drug or treatment

• Puberty and menopause-related disorders

• Reproductive medicine & other maternity expenses

• Robotic-assisted surgery, light amplification by stimulated emission of radiation (LASER) & light-based treatment

• Sexually transmitted infections & diseases

• Sleep disorders

• Substance-related and addictive disorders

• Unlawful activity

• Treatment received outside India

• Unrecognized physician or hospital

Generally, excluded expenses - Any costs or expenses specified in the list of expenses generally excluded at Annexure-II of the Policy Document.

We shall not be liable to make any payment under any benefits under the Personal Accident Cover if the claim is attributable to, based on, arises out of, or is directly or indirectly connected to any of the following:    

• • Suicide or self-inflicted injury, whether the insured person is medically sane or insane.    
• • Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations (whether war is declared or not), rebellion (the act of armed resistance to an established government or leader), acts of terrorism.
• • Service in the armed forces, or any police organization, of any country at war or at peace or service in any force of an international body or participation in any of the naval, military or air force operation during peacetime.
• • Any change of profession after the inception of the policy which results in the enhancement of our risk, if not accepted and endorsed by us on the policy schedule.
• Committing an assault, a criminal offence or any breach of law with criminal intent.
• • Taking or absorbing, accidentally or otherwise, any intoxicating liquor, drug, narcotic, medicine, sedative or poison, except as prescribed by a medical practitioner other than the policyholder or an insured person.
• • Participation in aviation/marine including crew other than as a passenger in an aircraft/watercraft that is authorised by the relevant regulations to carry such passengers between established airports or ports.
• • Engaging in or taking part in professional/adventure sports or any hazardous pursuits, such as speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, potholing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow, ice sports, hunting, etc.
• • Body or mental infirmity or any disease except where such condition arises directly as a correspondence of an accident during the policy period. However, this exclusion is not applicable to claims made under the Permanent Partial Disability benefit.